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My wife and I live in an old house that sometimes shows its age. Not long after we bought the place, we returned from a restful winter weekend getaway to a bone-chilling surprise. At some point while we were gone, the aging thermostat failed to call for heat, leaving the boiler idle as the outside … Read more
A pet health insurance policy can significantly reduce your out-of-pocket veterinary costs, such as emergency surgery and chemotherapy. More generous policies defray vet bills for preventive care as well. Plus, by limiting the long-term costs of owning an aging or ill pet, pet health insurance reduces the risk of economic euthanasia — the heartbreaking decision … Read more
Homeowners insurance is a bundle of different categories of coverage, which apply in various situations. You aren’t able to pick and choose what categories you want – there are six different components to homeowners insurance, all of which are required, which we’ll discuss below. However, depending on your possessions, type of home, and your financial … Read more
Given sufficient time to prepare, humans anticipate and plan pretty well for planned life events, such as marriage, childbearing, and retirement. However, it’s difficult for most people to imagine – let alone prepare for – major, unexpected life changes. Serious illnesses and injuries befall millions of Americans each year, often with little or no warning. Most working adults … Read more
Many millennials and Gen Zers believe in the common myth that young people don’t need life insurance. It’s true that many young people can get by without coverage right now and that some folks never accumulate the obligations best addressed by life insurance. But for most of us, our 20s and 30s are the ideal … Read more
“I don’t need it because I’m young and healthy” is one of the most common myths about life insurance. Life insurance is absolutely appropriate for many young people, even those without dependents to provide for or significant debts to their name. With relatively low premiums, flexible coverage amounts, and the option to save even more … Read more
According to data collected by the Insurance Information Institute, about 60% of all Americans were covered by some form of life insurance in 2018. About 20% of Americans believe they don’t have enough coverage and are in the market for more. All life insurance policies take one of two forms: Term life insurance, which charges … Read more
Of all the persistent myths about life insurance, the notion most people don’t need it is arguably the most damaging. That’s because the truth is closer to the opposite. Most people do need life insurance coverage, including those without dependents or massive debts. But the myth that life insurance is often unnecessary is comforting for … Read more
In the old days, applying for life insurance was tedious, time-consuming, and stressful. The process took weeks to complete, much of that spent waiting on the results of a medical exam. And you didn’t know how much your policy would cost until everything was said and done — or even if you’d qualify for a … Read more
A cancer diagnosis is a life-changing event, even if the prognosis is good. It’s especially concerning — and challenging — for people who don’t yet have life insurance. Unfortunately, obtaining that critical layer of financial protection for your loved ones is much more difficult afterward. It’s not impossible, however. Many life insurance companies do issue … Read more
